An account status specifies the state of an account (PRN or XID). Account statuses can be assigned by internal processes or they can be manually changed by the CST or Program API, such as by using Modify Status. When changing an account status using the Modify Status endpoint, make sure the type changes the account status and not the card status only.
Account statuses are independent of card statuses. Both the account and card must be in status: N (normal, active) to perform card transactions. In addition, accounts have an account-active flag that is either Y or N. Some internal processes check the active flag to determine whether to perform an action, such as statement generation.
See the Card Statuses guide for more information.
Important
Mastercard considers
status: C(canceled) andstatus: Z(canceled without refund) to be permanent statuses. As of 3 Jun 2025, issuers are required to returnresponse_code: 46for accounts or cards in those two statuses. If you reactivate a card or account that was closed, Mastercard could assess penalties for transactions attempted against that card. If you need to temporarily close an account or card to reopen later, usestatus: D(disabled).
This table indicates whether an account status permits certain types of transactions or account updates. X means that the transaction is permitted, and other characters indicate that performing the transaction is contingent on settings and other factors.
Key
- Columns
- Active — State of the active flag when the account has this status.
- Network — Authorizations originating on the card network; an account that is not in
status: Ncan still have its authorizations settled. - Pmt — Create Payment endpoint or internal processes; payments using Create Account Transfer can be made only when the receiving account is in
status: N. - Adj — Create Adjustment endpoint or internal processes, either credit or debit, including Mastercard merchant credits
- ACH — Incoming ACH transactions, unless otherwise specified
- Update — Status changes. For updates using Update Account, the account must be in
status: N, or you can set UPDCZ to permit updates in statusesCandZ.
- Symbols
- § — Merchant credits only.
- * — Network loads controlled by BLKLD.
- ** — Incoming ACH debits controlled by ACHCA.
- §§ — Incoming ACH credits controlled by ACSTS.
- ‡ — Cannot originate ACH debits.
- ⬧ — Merchant credits permitted when IGACT is set.
- ⁂ — Charged-off account status (
R) can be changed only by the Recover Charged-Off Account endpoint.
| Active | Status | Description | Network | Pmt | Adj | ACH debit | ACH credit | Update |
|---|---|---|---|---|---|---|---|---|
| N | C | Canceled | § | - | X | ‡ | §§ | X |
| N | D | Disabled | § | X | X | §§ | ||
| N | F | Failed ID verification | ⬧ | X | X | §§ | ||
| N | K | Suspended | ⬧ | X | X | §§ | ||
| N | M | Moved to new program. The account has been migrated to a new program. This status is functionally identical to status: Z. | ⬧ | X | X | §§ | ||
| Y | N | Active (normal) | X | X | X | ** | §§ | X |
| N | P | Passed ID verification | ⬧ | X | X | §§ | ||
| N | Q | Delinquent | ⬧ | X | X | §§ | ||
| N | R | Charged off. The account has been negative for the number of days defined in CODYS, or the account was charged off by the Charge Off Account endpoint. | ⬧ | X | X | §§ | ⁂ | |
| N | T | ID verification in process | ⬧ | X | X | §§ | X | |
| N | U | Upgraded | ⬧ | X | X | §§ | X | |
| N | V | Application submitted. The account setup process has not completed. The exact steps in the setup process vary according to the ACSET product parameter. | X | X | §§ | X | ||
| N | W | Waiting to be processed | ⬧ | X | X | X | §§ | X |
| N | Z | Canceled without refund | § | - | X | ‡ | §§ | X |
| Y | d | Bankruptcy discharged | X | |||||
| Y | e | Bankruptcy dismissed | X | |||||
| Y | f | Bankruptcy filed | X |
Related parameters
To change some properties of account statuses, you can set these parameters.
| Parameter | Description |
|---|---|
| ACHCA | Specifies whether an account must be in status: N to permit incoming ACH debits. |
| ACSTS | Contains a list of statuses that are allowed to receive an ACH credit. |
| BLKLD | Contains a list of account statuses that cannot receive card loads. Does not apply to ACH credits or API loads. Default: C,Z |
| IGACT | By default, the system allows merchant credits on cards in any status, but only allows merchant credits for account statuses N, C, D, and Z. Set this parameter to bypass account status checks for merchant credits. Keep in mind that "frozen" is not an account or card status. Furthermore, some of the account statuses above would not occur after a card's PAN has been given to a cardholder. |
| RISCS | List of card statuses that permit card reissue. Default: N,C,Z |
| STPLD | Contains a list of statuses that do not permit transactions originated by Create Account Transfer (sending account only), Create Payment, Create Adjustment, and Create ACH Transaction |